Коришћење конџоинт анализе за оцјену атрактивности услова кредитирања // The use of conjoint analysis to review the attractiveness of credit conditions

2012 ◽  
Vol 10 (16) ◽  
pp. 299
Author(s):  
Дарко Милуновић ◽  
Дарија Милуновић
Keyword(s):  
Social Environment ◽  
Conjoint Analysis ◽  
Commercial Bank ◽  
Commercial Banks ◽  
Banking Sector ◽  
Aggregate Demand ◽  
Commercial Banking ◽  
Key Factors ◽  
Important Prerequisite ◽  
Positive Effects

Резиме: Повећање агрегатне тражње је један од примарних циљева сваке привреде. Постизањем овог циља се остварују разни позитивни ефекти у привреди, који се манифестују кроз повећање потрошње, раст инвестиција, али и стварање бољег друштвеног амбијента. Кључну улогу у остварењу овог циља има држава, која својим инструментима и политикама усмјерава привреду ка повећању тражње. Иако су све привреде усмјерене ка томе, многе нису у могућности да зацртани циљ и остваре.Алтернатива, у настојању да се повећа агрегатна тражња, може бити у банкарском сектору. Наиме, повећање обима кредитних пласмана директно утиче на раст тражње. Комерцијалне банке, као и сва предузећа, настоје да континуирано повећавају своју вриједност на тржишту и боље се позиционирају. Један од начина да се у томе и успије јесте повећање прихода. С обзиром на специфичност комерцијалног банкарства, та њихова тежња се остварује, између осталог, путем побољшања кредитних пласмана. Да би се повећали приходи по овом основу, веома важна претпоставка је формирање атрактивних кредитних понуда, при чему је од изузетне важности да се уважавају ставови клијената о тој проблематици. Уважавати и вредновати њихове ставове значи идентификовати кључне факторе и прилагодити понуду њима. Моћ конџоинт анализе је у томе што нам омогућава да дођемо до одговора на постављени промблем. Алгоритам ове анализе представља мултиваријациону процедуру за мјерење преференција клијената банке у вези са атрибутима кредита. Конџоинт анализа се ослања на анкетирање клијената банке са репрезентативним сетом атрибута које клијенти рангирају према преференцијама. Квантитативне информације, које се добију, могу се искористити за моделирање кредитне понуде. У примјеру, једна комерцијална банка је заинтересована за формирање нове атрактивне кредитне понуде и жели да испита утицај више фактора (атрибута) на преференције клијената, како би дошла до одговора који је кључни фактор.Summary: The increase in aggregate demand is one of the primary goals of every economy. By achieving this goal, many positive effects in economy  are also achieved which is manifested through increase in consumption, investment and creating a better social environment. The state has the key role in achieving this goal, with its instruments and policies it directs economy toward demand increase. Although all economies aspire to this goal, many are not in position to realize the goal they have set for themselves.The alternative, in an effort to increase aggregate demand, may be the banking sector. Increase in volume of loans directly influences the growth of demand. Commercial banks, like all companies, strive to continually increase their value on the market and to better position themselves. One way to succeed in doing so is to increase the income. Given the specificity of commercial banking, their goal is achieved, inter alia, by improving of lending. In order to increase income on this basis,  a very important prerequisite is the formation of attractive credit offers with the strong emphasis on respecting the views of clients on this issue. To respect and value clients` views means identifying  key factors and adjusting the offer to them.The power of conjoint analysis is that it allows us to get the answer to this problem. The algorithm of this analysis is a multivariate procedure to measure the preferences of bank clients regarding the loan attributes. Conjoint analysis relies on a survey of bank clients with the representative set of attributes that are ranked according to clients` preferences. Obtained quantitative informations can be used to model the credit offer. For example, one commercial bank is interested in forming a new attractive credit offer and wants to study the influence of several factors (attributes) on client preferences in order to determine which factor is the most important one.

Income Diversification and Bank Efficiency in Vietnam

2017 ◽  
pp. 52-67
Author(s):  
Sang Nguyen Minh
Keyword(s):  
Regression Model ◽  
Commercial Banks ◽  
Banking System ◽  
Operational Efficiency ◽  
Commercial Banking ◽  
Tobit Regression ◽  
Income Diversification ◽  
Positive Effects ◽  
Study Results ◽  
The Impact

This study uses the DEA (Data Envelopment Analysis) method to estimate the technical efficiency index of 34 Vietnamese commercial banks in the period 2007-2015, and then it analyzes the impact of income diversification on the operational efficiency of Vietnamese commercial banks through a censored regression model - the Tobit regression model. Research results indicate that income diversification has positive effects on the operational efficiency of Vietnamese commercial banks in the research period. Based on study results, in this research some recommendations forpolicy are given to enhance the operational efficiency of Vietnam’s commercial banking system.

scholarly journals المحددات التي تواجه نظام الرقابة الداخلية في بيئة المصارف التجارية

2017 ◽  
Vol 3 (4) ◽  
pp. 179
Author(s):  
Journals UHD ◽  
Dana Akram Faqe Mahmood ◽  
Shilan Arf Ahmad
Keyword(s):  
Control Systems ◽  
Internal Control ◽  
Commercial Banks ◽  
Banking Sector ◽  
Commercial Banking ◽  
Negative Effects ◽  
Internal Auditor ◽  
Regulatory Systems ◽  
Policies And Procedures ◽  
Banking Institutions

This study was conducted to examine the work of internal control systems in banking institutions. It focused on studying the determinants facing the internal censorship system in the commercial banking sector by identifying the deficiencies and shortcomings in the regulatory systems and their negative effects from financial and administrative failure, the overall weak performances and etc, and also by determining the main reasons and obstacles that prevents the application from development of the internal censorship systems in commercial banks. A practical study had been made on a sample of the commercial banks operating in Sulaymaniyah governorate .In order to achive the goal, five commercial banks were used to collect the data from. The researchers used questionairre while collecting data in which they entered the information and data were processed automatically and through statistical models in order to test hypotheses and prove them. The results of the statistical analysis showed that there is a strong correlation between the variables of the research hypothesis and the internal censorship's objectives and the constraints facing to their application in the commercial banking sector of a degree at (0.607). The results showed that the increase of the determinants of the work of internal censrorship systems affected the achievement of the objectives that pursuied by the internal censorship in commercial banks in specifics. The researchers reccomended that there should be a commitments to the laws , accounting policies and procedures that applied to protect the assets especially by the commercial bank's management and to detect errors , fraud and manipulation to support the independency of the work of internal auditor and activate its role to achieve the objectives targeted by the internal censorship systems in commercial banks.

scholarly journals Concentration in Botswana's banking sector

2003 ◽  
Vol 6 (4) ◽  
pp. 822-847 ◽  
Author(s):  
T Kayawa ◽  
A Amusa
Keyword(s):  
Commercial Banks ◽  
Banking Sector ◽  
Financial Sector ◽  
Market Concentration ◽  
Commercial Banking ◽  
Herfindahl Index ◽  
Input And Output ◽  
Alternative Measures ◽  
Empirical Methodology

This study examines the degree of competition and efficiency within the commercial banking sector of Botswana. By applying the Herfindahl index, the paper provides an empirical methodology for assessing competition and market concentration among commercial banks. The study also utilises alternative measures of bank input and output by developing simple descriptive indices to assess the level of efficiency in Botswana’s banking sector. Overall, the results indicate that the implementation since 1989, of policies to liberalise and reform financial sector activities has contributed to increased competitiveness and efficiency amongst Botswana’s commercial banks.

scholarly journals Gender Inequality and Human Resource Management (HRM) Practices in Jordanian Commercial Banks

2020 ◽  
Vol 10 (1) ◽  
pp. 369
Author(s):  
Mohamad Noor Al-Jedaiah
Keyword(s):  
Human Resource Management ◽  
Human Resource ◽  
Gender Inequality ◽  
Commercial Banks ◽  
Banking Sector ◽  
Commercial Banking ◽  
Simple Random Sample ◽  
Women Empowerment ◽  
Hrm Practices ◽  
Independent Variable

This research aims at investigating the inequality practices against women in Jordanian commercial banking sector. To reach this objective, the research studied both HRP and inequalities faced women. The questionnaire was used as a tool to collect data. The HRP used as independent variable, while the inequalities resulted used as dependent variable. Simple random sample was selected of female bankers. The results showed that inequality practices existed in banking workplace. These inequalities resulted from both, the HRP and managers’ evaluation of women in baking sector. The results showed the inequality practices are source of minimizing women empowerment in banking sector.

The Fourth Industrial Revolution and private commercial banks: the good, bad and ugly

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Asif Rahman ◽  
Md. Joynal Abedin
Keyword(s):  
Commercial Banks ◽  
Industrial Revolution ◽  
Banking Sector ◽  
Stock Exchange ◽  
Vital Role ◽  
Commercial Banking ◽  
Digital Products ◽  
Content Type ◽  
Traditional System ◽  
Fourth Industrial Revolution

Purpose This study aims to assess how new and emerging technologies can contribute to achieving the financial goals of the private commercial banking sector in Bangladesh. It considers the perception among the top management about the Fourth Industrial Revolution (4IR) and further measures the readiness of private commercial banks (PCBs) to become resilient. Design/methodology/approach This study attempts to measure the perception and readiness of the commercial banking sector because of the 4IR based on the stratified sampling method. The research is qualitative and selected PCBs listed in the Dhaka Stock Exchange. 4IR in the context of the banking sector in Bangladesh is a problem that has not been studied more clearly, intended to establish priorities, develop operational definitions and improve the final research design. Findings This research has identified a significant gap of study in the preparedness among the private commercial banking sector in Bangladesh to confront the 4IR while indicating the most significant risks and managerial insights. The findings show technologies will dramatically change the nature of work. Traditional system of banking from the branch will be shifting into banking from everywhere. Hence, digital products and services will foster value-driven business. The result of the study also states the readiness of the banking sector is in the preliminary stage and endorses some of the coping approaches. Research limitations/implications Different schools of thought regarding the role of the 4IR and its future consequences have been observed. The corporate sector in Bangladesh has an inclusive lack of understanding regarding the 4IR. Practical implications The insights may provide directions to banking financial institutions of Bangladesh to thrive during the 4IR. This study is intended to assist policymakers, decision-makers and employees of PCBs to increase awareness and preparedness for future challenges that may appear from the 4IR where the 41 competitive PCBs play vital role in turning the fast emerging Bangladesh economy. Originality/value The contribution of this paper associates with academics and bankers to increase understanding of coping in the context of the escalating use of emerging technology-driven banking services within the PCBs in Bangladesh by determining perception and testing different forms of readiness including a variety of important outcomes such as risks.

scholarly journals The Threats of Unsystematic Risks in Jordanian Commercial Banking Sector

2017 ◽  
Vol 9 (9) ◽  
pp. 175
Author(s):  
Ghaith N. Al-Eitan ◽  
Ismail Y. Yamin
Keyword(s):  
Credit Risk ◽  
Commercial Banks ◽  
Banking Sector ◽  
Fixed Effect Model ◽  
Commercial Banking ◽  
Capital Adequacy ◽  
Credit Risk Management ◽  
Effect Model ◽  
The Impact ◽  
The Empirical Analysis

The objective of this study is to empirically examine the effect of unsystematic risks on the performance of commercial banks in Jordan, using panel data for the period of 10 years (2005-2015). The study uses earning per share and dividends as dependent variables to represent Banks’ performance. The empirical analysis based on the fixed effect model selected on the basis of Hausman test. The results indicate that the impact of Non-performing loans on commercial banks’ dividends is positive and significant while the impact of capital adequacy is negative and statistically significant on dividends. The results indicate that the credit risk, liquidity risk, non-performing loan and capital adequacy have significant effect on earnings per share and the effects are negative as expected. Based on the study it is recommended that the Jordanian commercial banks needs enhance the process of credit risk management to determine loan defaulter and impose the appropriate legal action against them.

scholarly journals Analysis of the Relationship between Credit Risk and Bank Performance of Some Commercial Banks in Ghana

2020 ◽  
Vol 8 (2) ◽  
pp. 34-51
Author(s):  
Joseph Acquah ◽  
Yusif Arthur ◽  
Damianus Kofi Owusu
Keyword(s):  
Credit Risk ◽  
Commercial Bank ◽  
Commercial Banks ◽  
Quantitative Research ◽  
Banking Sector ◽  
Sampling Technique ◽  
Capital Adequacy ◽  
Research Approach ◽  
Independent Entity ◽  
The Relationship

This study analysed the relationship between credit risk and bank financial performance of selected commercial banks in Ghana for the period 2010 - 2014, using the banks respective financial statements. The study employed the quantitative research approach. The sample was Ghana Commercial Bank Limited, Zenith Bank Limited, UT Bank and Ecobank Plc. These four banks were selected using stratified random sampling technique. The data were primarily secondary and quantitative in nature. Both descriptive and inferential statistics were used to analyse the data. When the banks were compared, Ghana Commercial Bank Limited was found to be more liquid than Zenith Bank Limited. That of Zenith bank was also higher than UT bank and Ecobank Plc .However, profitability indicators showed that Zenith Bank Limited and Ecobank Plc utilised its assets better than Ghana Commercial Bank Limited and UT bank resulting in the two banks higher scores over the period. The findings show further that Ghana Commercial Bank Limited showed higher ratios for investment in the future while Zenith Bank Limited showed higher ratios of higher dividend immediately. However, Zenith Bank Limited capital adequacy level was far higher than the legal requirement of Banking sector while its counterparts fell slightly below it in terms of average. Based on the main findings and conclusions, it is recommended that Ghana Commercial Bank Limited should find a means of reducing its expenditure, introducing prudent assets management, should be cautious when assisting government in time of economic difficulty, and operate as an independent entity.

scholarly journals Does banking sector performance promote economic growth? Case study of Jordanian commercial banks

2017 ◽  
Vol 15 (2) ◽  
pp. 55-64 ◽  
Author(s):  
Ayman Mansour Khalaf Alkhazaleh
Keyword(s):  
Economic Growth ◽  
Commercial Banks ◽  
Banking Sector ◽  
Positive Association ◽  
Political Stability ◽  
Commercial Banking ◽  
Least Square ◽  
Bank Performance ◽  
Significant Positive Association ◽  
Ordinary Least Square

Spurred by the need to evade possible parameter bias associated with earlier works, this study intended to address the subject of whether performance of commercial banking contributes to economic growth. With the aim of answering this question, the present review concentrates on analyzing the association between profitability, deposit and credit facilities as proxy for performance of commercial banks while gross domestic product proxies economic growth. The population of the study is characterized by the Jordanian banking industry; the study enclosed a period of six years from 2010 to 2015 constructed on the annual report of thirteen chosen banks. Using Ordinary Least Square, the regression outcomes found a significant positive association between measures of bank performance and economic growth. Findings demonstrate that measures of bank performance in particular profitability deposits credits have positive relationship with economic growth as measured by GDP. The empirical results suggest that the policy creators should make arrangements to augment and prompt the banking sector in Jordan on account of its key significance in making and advancing development of the economy. It additionally can be inferred that not only commercial banking performance but also other movables such as political stability and technology may assume essential part in the economic prosperity in Jordan.

scholarly journals Methodological approaches to the comparative assessment of commercial banks

2019 ◽  
Vol 16 (2) ◽  
pp. 45-56
Author(s):  
O. A. Shikhova ◽  
M. N. Selina
Keyword(s):  
Commercial Bank ◽  
Commercial Banks ◽  
Comparative Evaluation ◽  
Banking Sector ◽  
Alternative Methods ◽  
Multidimensional Complex ◽  
Methodological Approaches ◽  
Cluster Allocation ◽  
Methodological Aspects ◽  
The Mathematical Model

In the article the basic methodological aspects and the results of approbation of alternative methods of complex comparative evaluation of reliability level of commercial banks are considered through the example of subjects of the banking sector in the Vologda region. On the one hand, the reliability of a commercial bank is the key criterion of soundness of banking system in general, and on the other, the foundation for a bank formation today and its prosperity in future. Consequently, in the current ambiguous financial conditions characterized by tough competition between credit-financial institutions a question of study and improvement of evaluation methods of the reliability of a commercial bank rises. . Study purpose: The purpose of this study is the introduction of the basic methodological aspects and the results of approbation of alternative methods of complex comparative evaluation of a reliability level of commercial banks through the example of subjects of the banking sector in the Vologda region. Materials and methods: the study was carried out based on building of the mathematical model, consisting of financial indexes, to each of which a relative share was assigned by expertise, and the following rating; multidimensional complex comparative evaluation; cluster allocation. The starting data for these studies was the 30 credit organizations reference book published in the official website of the Central Bank of the Russian Federation. Results: According to the received results the different approaches to making ratings of credit organizations used by us gave similar outcomes. This fact indicated the high degree of adequateness of the methods. For the objective evaluation we suggested and tested different methodological approaches to making ratings according to such qualitative characteristic of a commercial bank as reliability. In our study we used: the mathematical model consisting of financial indexes to each of which a relative share was assigned by expertise, and the following rating; multidimensional complex comparative evaluation; cluster allocation. That allowed, firstly, doing comparative evaluation of reliability while making rating, secondly, ranging banks by different problem blocks, thirdly, classifying the objects of the study according to their financial characteristics, fourthly, defining the main factors influencing the ranging of banks. The received results of methods approbation are the additional information to the ratings published by the leading rating agencies and the Bank of Russia which allows reasonably making decisions by choosing the best possible reliable credit organization. Conclusion: According to the studies the sizes of a commercial bank not always prove its stability, liquidity and operating efficiency. Analyzing the ratings of credit organizations by an absolute index we came to the conclusion that it was not enough to take into consideration only the volumes of activity of an organization though it is of no small importance. Therefore, in order to receive a realistic rating it is necessary to use different methods which will complement one another and give more definite result of a set task.

scholarly journals The Impact of Business Intelligence on Strategic Performance in Commercial Banks Operating in the Sate of Kuwait

2020 ◽  
Vol 13 (8) ◽  
pp. 91
Author(s):  
Hamad Salem Al-Merri
Keyword(s):  
Data Storage ◽  
Business Intelligence ◽  
Commercial Banks ◽  
Analytical Approach ◽  
Banking Sector ◽  
Data Extraction ◽  
Commercial Banking ◽  
Strategic Performance ◽  
The State Of Kuwait ◽  
The Impact

This study aimed to identify the impact of business intelligence on strategic performance in commercial banks operating in the State of Kuwait the researcher used the descriptive analytical approach to introduce both business intelligence and strategic performance. The study population consisted of employees working in top and middle management in commercial banks operating in State of Kuwait. Stratified random sample amounting 363 subjects was used. 270 questionnaires were collected representing 74.3% of the total sample. The study concluded that business intelligence system ensures data processing using data storage techniques and data extraction to obtain consistent and qualified information, thus providing the required knowledge to achieve the strategic goals and objectives by end users and executives in the future. The researcher recommends that Kuwaiti banks should keep pace with developments in the field of business intelligence to be employed in a better way in enhancing its strategic performance, in addition to conduct future studies that follow the analytical approach to deepen its utilization in Kuwaiti commercial banking sector.

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